Online Banking

Online Banking

Multi-Factor Authentication (MFA)

Check your account balances

Account Transfers- Internal & External

Bill Pay

FinanceWorks™ Personal Financial Management Tool


In an effort to provide you the best possible online banking experience, UTF has upgraded our online banking, bill pay, and mobile solutions. We're excited to begin offering FinanceWorks™ Personal Financial Management tool which allows you to add accounts from over 16,000+ financial institutions, track where your money is going, set goals and creates budgets, and set alerts and reminders.

We invite you to check out the tutorials on this page to view the new online banking features!

When logging in for the first time:
When logging in for the first time since our system upgrade, your Username is your account number, and your Password is utf and the last four (4) digits of your social security number (ex. utf1234); utf is all lowercase. Your username and password prior to our system upgrade will no longer work. Please click here if you received an account change notification..


Click on the icons to learn more.